Progressive Corp (PGR)vsThe Travelers Companies Inc (TRV)
PGR
Progressive Corp
$233.92
-2.06%
FINANCIAL SERVICES · Cap: $134.03B
TRV
The Travelers Companies Inc
$398.80
+0.65%
FINANCIAL SERVICES · Cap: $81.19B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 87% more annual revenue ($91.70B vs $48.92B). TRV leads profitability with a 17.0% profit margin vs 12.7%. TRV appears more attractively valued with a PEG of 2.70. TRV earns a higher WallStSmart Score of 66/100 (B-).
PGR
Buy53
out of 100
Grade: C-
TRV
Strong Buy66
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 34 in profit
Large-cap with strong market position
Conservative balance sheet, low leverage
Generating 3.5B in free cash flow
Attractively priced relative to earnings
Large-cap with strong market position
Every $100 of equity generates 29 in profit
Reasonable price relative to book value
Strong operational efficiency at 20.0%
Generating 3.9B in free cash flow
Areas to Watch
3.0% revenue growth
Expensive relative to growth rate
Earnings declined 2.1%
Distress zone — elevated risk
Expensive relative to growth rate
Revenue declined 0.5%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.
Bull Case : TRV
The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity. Profitability is solid with margins at 17.0% and operating margin at 20.0%.
Bear Case : PGR
The primary concerns for PGR are Revenue Growth, PEG Ratio, EPS Growth.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
PGR profiles as a value stock while TRV is a declining play — different risk/reward profiles.
TRV carries more volatility with a beta of 0.44 — expect wider price swings.
PGR is growing revenue faster at 3.0% — sustainability is the question.
TRV generates stronger free cash flow (3.9B), providing more financial flexibility.
Bottom Line
TRV scores higher overall (66/100 vs 53/100), backed by strong 17.0% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Progressive Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Progressive Corporation is an American insurance company, one of the largest providers of car insurance in the United States. The company insures motorcycles, boats, RVs, and commercial vehicles and provides home insurance through select companies.
Visit Website →The Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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